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Friday, 18.Oct.2002

8:11 - wellsfargo is lame

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remember that bounced cheque from about a week or so ago? well, the dust has settled, and here are the charges associated with bouncing a cheque.

10/09/02 ... RETURN ITEM FEE ... $5.00
(this one went straight to my checking account the instant the cheque bounced)
10/11/02 ... TRANSACTION*FINANCE CHARGE* ... $10.00
(there was an outstanding charge that had to come out of overdraft protection, this was the charge for it)
10/10/02 ... TRANSACTION*FINANCE CHARGE* ... $10.00
(yup, another outstanding charge, 10 bucks charge per use of overdraft protection)
10/14/02 ... CASH ADVANCE ... $5.48
(guess what, since I used overdraft protection at least once this month, there's an additional charge for that at the end of the month!)

damn.. far more in charges than I expected. I'm really going to start looking at other banks now and compare. Anyone have any suggestions?

(8 comments | Leave a comment)

Comments:

From:ex_nina910
Date:8:14 18.Oct.2002 (UTC)
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E*TRADE Bank!

No no... not unless you have 50k to drop in there. If you call me I'll split the sales commission with you.

That sucks about the fee. Only 13 days till the 31st!
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From:lograh
Date:8:19 18.Oct.2002 (UTC)
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yeah, I've been good this week and only spent about $1 a day so far.. So I have enough to get food over the next two weekends and I should be able to make it.

Thankfully, the individual who gave me the bad cheque paid me $50 up-front to cover any associated fees.. So it's all covered.. It just still sucks.
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From:macklinr
Date:8:56 18.Oct.2002 (UTC)
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I like Washington Mutual (and there's one near where you live).

I get charged worse for my overdraft, but that's because it doesn't come out of a savings account but instead out of their pocket ($21 per use). And I don't need direct deposit to have a free-checking type account there (though I have their Plus package for $4/mo, which includes stuff like this).

If you're shopping around, I'd suggest at least looking into WaMu. I like them, and I think they're a good bank.
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From:tobin
Date:9:06 18.Oct.2002 (UTC)
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Actually, having both Wells and WAMU, I'd have to say that WAMU charges less and only once. Wells charges slide up the more often you bounce, and I think to a max of $30 for every time the check hits the acct. They also charge for a bunch of other crap..and they just suck.

I'm pretty happy with WAMU, they don't have as many ATMs as I'd like, but then they also don't charge on their end for other ATM use.
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From:ex_nina910
Date:9:08 18.Oct.2002 (UTC)
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you at work?
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From:tobin
Date:11:21 18.Oct.2002 (UTC)

Re:

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yeah
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From:macklinr
Date:9:14 18.Oct.2002 (UTC)
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I was with Wells for about a month - my account was with First Interstate when they bought them out. Had $70 in there from a cihldhood job, and lost most of it when Wells took over. I'm a little fuzzy on the details as it was several years ago, but from the beginning I didn't like Wells Fargo. Coupled with that on a few occasions people I know would find money "missing" from their account, only to be there a few days later, and with no transaction log to back that up. Screwed my mom over a few times, so since then I avoided the bank like the plague.
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From:elisandra
Date:11:24 18.Oct.2002 (UTC)

Yep

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I ditched my BofA account for Wamu and so far, I'm very pleased. I recommend it.
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